THE ESSENCE OF THE BANKS CREDIT POLICY AND THE PECULIARITIES OF IMPLEMENTATION IN BANKS WITH FOREIGN CAPITAL

T.S. Karpova
2019 Herald of Kiev Institute of Business and Technology  
The article considers the points of view of scientists, regarding the concept of "credit policy", suggests the author's definition, identifies directions for the implementation of credit policy and the principles of a weighted assessment of credit risk. The objectives of the implementation of the credit policy, its functions, micro and macro factors, affecting the credit policy of the bank are identified. The most topical issues of quality control of the loan portfolio were investigated, and
more » ... nvestigated, and the documents included in the lending standard were studied. A definition of the bank's credit resources has been proposed and their composition has been determined, the author's vision has been proposed of the approval process of a bank's credit policy with foreign capital under difitalization.
doi:10.37203/kibit.2019.40.04 fatcat:4nu56kjosbcudhpsuupmwchita